How do I save money on activities

40 practical tips for saving money in everyday life


Do you think you have no money to save? We have 40 tips for saving you with which you can easily save a lot of money with a few small changes in everyday life. And even if you are already saving quite a bit, you will be surprised how much savings potential is still hidden in your everyday life.


General tips for saving

Keep the budget book

How much do you spend a month on what? It's the end of the month, your account is empty and you don't really know where your money has gone? A budget book will help you keep track of your money. It is important that you really note down every issue.

Make gifts yourself

The birthday of your mother, your grandpa, a friend or your godchild is coming up? Over the year, spending on birthday gifts increases quite a bit. But does it always have to be something expensive to buy? How about something homemade? Most people no longer know what to want anyway and are heartily happy about a little yellowed gift. Here you will find lots of great ideas and instructions for crafting.

Cancel unused subscriptions

€ 3 for the app, € 10 for the music streaming service, € 15 for Netflix and Co. or € 30 for the gym. Think about what you really need and cancel unnecessary subscriptions and contracts. The prerequisite for this is, of course, to really know your expenses first. Then you can filter out such unnecessary expenses and terminate the contracts.

Check insurance

First of all, get an overview of which insurance you already have, what you pay for it and think about what you need and what you don't. Often you also get discounts from the insurer if you take out all or more of your insurance policies with the same company.

Save with apps

Apps like Monkee can also be very helpful when it comes to saving. They motivate you, show you new savings options and most importantly: The money saved is away from your normal account and is in your separate savings account. So you don't get to it that easily, just spend it.

Make a tax return

Did you know that you can submit your tax returns for up to 5 years in retrospect? Even with low incomes, it is worth doing your tax adjustment every year and collecting bills for work-related expenses. The same applies here: Even with small things, more comes together than you might think.

Allocate money at the beginning of the month using the envelope system

The main idea is to divide your monthly expenses into different categories, assign a budget to each category and stick to this budget when spending. Not only do you have a fixed budget for your expenses, it is also much easier to keep track of how much you have already spent on what this month.

Switch to free checking accounts

Pay to loan your money to the bank? That doesn't have to be the case today! Especially new banks like N26 offer great offers for free checking accounts.



Save when shopping

Write shopping list

Before you go shopping, always try to think about what you really need and write down a shopping list for it. It helps to roughly determine what you want to eat for the next few days and what you need for it. In the course of this, you can also browse the offers of the supermarkets and filter out special offers.

Don't shop hungry

It is also particularly important not to go shopping hungry. Otherwise too much unwanted things will end up in your shopping cart. Here you will also find even more tips on how to save on shopping and how to figure out the tricks of the supermarkets that want you to consume even more.

Buy house brands instead of branded products

Almost all of the larger supermarket chains are now offering a great number of products under their own brand. The packaging is different, the taste of the content is mostly (almost) no different from the branded product. Often the same product is involved, but at a much lower price.

Buy special offer non-perishable goods

Speaking of the supermarket, especially with non-perishable and long-lasting products such as rice, pasta, canned food or sauces, it is worth looking at offers and then buying them in stock. In the meantime, you no longer have to look through every leaflet to find out about the current offers in supermarkets. Collected lists are available on the Internet, for example at

Zero waste map

Plastic packaging is not only bad for the environment and takes up a lot of space in the garbage, packaged products are usually also more expensive. To avoid this, you will surely find an unpackaged store near you here.

Shop seasonally and regionally

Is regional and seasonal shopping expensive? Are you kidding me? Are you serious when you say that! Quite the opposite: Especially at farmers' markets or at local farmers, these products are often much cheaper than expected. Which fruit and vegetables are in season with us can also be found on the Internet or in seasonal calendars.

To buy second hand

Does it always have to be the new cell phone or new clothes? Second hand is good for the environment and is currently very popular. You can also save a lot of money this way. Especially when it comes to technology, you don't notice any difference to new devices. Often, new devices with small defects are sold many times cheaper, e.g. via refurbed. And what does a small scratch on the edge of the phone that you can't see under the phone case anyway?

No impulse buying

Quickly grabbed a chocolate bar at the cash register? Such impulse purchases not only pull the money out of your pocket, they also don't make you happy and at the end of the month you no longer know where and how you spent your money.

Save with cashback

Save money while spending? This is very easy to do with Cashback. You can find out more here. And also why you end up spending a lot less money on average with cashback than with discounts or bonus club cards.


Saving in the household

Expose power guzzlers

Do you know which of your household appliances need a lot of energy? It is particularly worthwhile to measure the power consumption of older devices. Current meters are available for less than € 10. An investment that definitely pays off. Otherwise, many electricity providers or consumer centers also lend electricity meters with which you can quickly uncover electricity guzzlers.

Change provider

Speaking of electricity providers. Often it is not (only) the devices that are to blame for the high energy consumption. A comparison of the electricity providers provides information on whether you are not paying too much for your energy and whether it would be worthwhile to change providers. Numerous comparison portals such as or show you your individual savings potential.

Muck out the closet

How many clothes are there in your closet? And how many of them do you really wear regularly? Try like Marie Kondo with mucking out and clearing out. By mucking out, I don't mean throwing away. There are so many ways to earn money with your old clothes. For example, on clothing circles, willhaben or Shpok.

Led Lamps

The classic among saving tips in the household. Basically, pay attention to energy-saving devices and the most important thing: Always switch off the lights when you leave the room.

High quality home appliances

This may not sound like saving to you at first, but it is worthwhile to pay attention to high-quality household appliances for the time being. Before buying, always find out about the power consumption and lifespan of the product in question. Because if the refrigerator is broken after 2 years, it will ultimately be more expensive than buying a high-quality device right away. And high quality does not always mean expensive.

Do you need your tv

Do you know how much money you pay monthly to have a TV? And maybe you also have a Netflix subscription? Broadcasting fees are quite expensive in both Germany and Austria. In contrast to streaming services, which are really cheap when you share an account. Many films and series can also be found online and mostly free of charge in the broadcasters' media libraries.

Make household products yourself

Soda, vinegar, citric acid, soda and curd soap - that's all you need to make all kinds of care, cosmetic and household products yourself. From shampoo and detergent to bathroom cleaner - you can easily produce this and much more yourself with these five ingredients. Not only easy on your wallet, but also on the environment!

Pay attention to water consumption

You should not only pay attention to your consumption when it comes to electricity. Your water consumption can also make a huge difference. On average, 40 liters of water are used per shower, but depending on the economy and size of the shower head, the prices for a shower can differ a lot. A shower with an economical shower head (max 6 liters per minute) costs you around 0.24 € for 5 minutes, with a rain shower 0.80 €. Calculated over the year, that makes a huge difference!



Lifestyle saving tips

Breakfast like an emperor

That might not sound like a savings tip at first glance, but when you look at it it is not only easy on your wallet, it is also healthy (which also pays off financially in the long run)! The numerous benefits of a rich breakfast have been proven in many studies and it also ensures that you spend less money on food throughout the day.

Drink more water

This not only saves money, but is also good for your health and body. Tip: get into the habit of always having a water bottle with you that you can refill regularly. This will also help you drink enough fluids.

Use public transport and your bike

At least every one of us suspects that a car is quite a money eater. A budget book can also open your eyes here to how much your car really devours. It is definitely worth taking the bike more often and doing something good for your health. But there are also numerous offers on public transport that cost you a lot less than your car. And if those aren't options for you, how about a car pool?

Prepare food

Going to lunch every day or getting something from the supermarket? These 5-10 € a day add up without you really noticing. So there is a lot of potential for savings. Just cook a little more in the evening and take the food with you to work the next day. This is actually no extra effort, but it saves you a lot of money.

Eat less meat

This is not only good for animal welfare and the environment, eating less meat is also good for your wallet. Try to reduce your meat consumption. And isn't it also better for your conscience to eat meat and fish products of higher quality and less often?

Trend upcycling

From old to new! Upcycling is all the rage! Do you have old clothes, furniture or other things that you no longer need? Make something new out of it? You can find numerous ideas for this on the Internet and it is often worthwhile to consider whether you could do it yourself before buying something new.

Invest in your education

It definitely pays off. And don't waste time on this, because as the saying goes: time is money. Our time is precious and we should never forget it.

Take care of your health

Because that will save you quite a bit of money in the future. This also includes brushing your teeth regularly, exercising and eating healthy. Look at yourself and your body and therefore also at your wallet! By the way, you can't spend any money while doing sports 😉

Quit smoking

Most of us know that smoking is not good for your health. But it's also frightening how much money goes into this vice. For example, if you have been smoking one pack every 3 days for 15 years, you have probably spent over € 13,000 on it during that time. Here you can calculate for yourself how much money you could save yourself if you quit smoking.

Food is valuable

You don't get food for free? Are you kidding me? Are you serious when you say that! In recent years in particular, the basic idea that food is valuable and should not simply be wasted has become more and more established (this also applies to your private household). Fortunately, supermarkets that fill their rubbish bins with food that is actually still fresh at the end of the day or bakers who have to throw away unsold bread are increasingly a thing of the past. Apps and websites such as and Too Good To Go also want to save food. For you, that means that you can get free or heavily discounted groceries there and do something good at the same time.

Pay back debts quickly

Debts are too inevitable from us and now and then it can even be smart to take out a loan, but it is important not to overdo it and repay your debts as soon as possible so as not to have to pay more interest.


Saving tips for saving together

Invite friends home instead of going out

Evenings with friends are great, but eating out, possibly going to the cinema, a bar or other activity is quite expensive. So how about cooking together at home? This is not only a lot of fun, but also goes easy on your budget. Additional tip: Avoid delivery service. Especially when you have visitors at home, it is practical not to have to worry about food. However, delivery services with possible delivery fees are usually not much cheaper than eating out. This also applies when you are alone ;-).

Save together

Joint use is particularly worthwhile with such subscriptions to streaming services. Almost all streaming service providers offer special group subscriptions that are significantly cheaper than individual subscriptions. A Spotify Premium Family subscription costs € 14.99 for you and up to 5 other people. That is € 2.50 per month per person. A Netflix subscription for up to 4 devices € 15.99, i.e. € 4.00 per device. Here you will also find more practical tips on saving together.


How often do you use your lawn mower, drill or skis? Or your children? With many things it is worth considering whether it would make sense to buy something together with family members, acquaintances or neighbors. Or do you have too much leftover food? There are sure to be people around you who are happy about it and who would also bring something to you in return.

Borrow instead of buy

Does it always have to be something new? Borrowing is definitely worthwhile, especially for things that you need once or only a few times. Special tools, for example, or the tent that you might need for a camping holiday.


Do you have a savings tip for us that we should definitely include here? Write to us! This list is also being updated on an ongoing basis and new savings tips are being added over and over again.


Do you know your current savings potential? With the Monkee savings calculator you can quickly, easily and free of charge find out how much you should save and compare your savings behavior with that of others in similar life situations. In addition, the savings calculator gives you useful tips and tricks with which you can improve your spending and consumption behavior and thus exploit your savings potential.




We are Monkee

Saving and the right way of dealing with money have a lot to do with attitude and a little with knowledge. Just as exercise is good for improving physical health, there are behavior patterns that make and keep us financially fit. Therefore, Monkee has set itself the goal of increasing the financial health of parents with young children by promoting responsible and sustainable use of money.

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The Monkee App

Monkee would also like to use an app to help you save more money for your future. Here you can download the app for free.